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Compare Dhanlaxmi Bank with J&K Bank - Equitymaster
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DHANLAXMI BANK vs J&K BANK - Comparison Results

J&K BANK 
   Change

Jammu and Kashmir Bank Ltd (J&K) is the first state owned bank of the country and 53% of equity is held by the government of J&K. The bank has a network of 475 branches spread over the country. During the year, the bank recorded an over 23% growth in... More

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Current Valuations

    DHANLAXMI BANK J&K BANK DHANLAXMI BANK/
J&K BANK
 
P/E (TTM) x 1.9 4.8 40.0% View Chart
P/BV x 0.7 0.6 111.1% View Chart
Dividend Yield % 0.0 2.7 -  

Financials

 DHANLAXMI BANK   J&K BANK
EQUITY SHARE DATA
    DHANLAXMI BANK
Mar-14
J&K BANK
Mar-15
DHANLAXMI BANK/
J&K BANK
5-Yr Chart
Click to enlarge
High Rs51119 42.6%   
Low Rs2495 25.5%   
Income per share (Unadj.) Rs102.61,456.5 7.0%  
Earnings per share (Unadj.) Rs-20.0104.9 -19.1%  
Cash flow per share (Unadj.) Rs-12.9251.8 -5.1%  
Dividends per share (Unadj.) Rs02.10 0.0%  
Avg Dividend yield %02.0 0.0%  
Book value per share (Unadj.) Rs58.51,260.0 4.6%  
Shares outstanding (eoy) m125.9348.48 259.8%   
Bonus/Rights/Conversions OI--  
Avg Price / Income ratio x0.40.1 496.5%   
Avg P/E ratio x-1.91.0 -183.4%  
Avg P/CF ratio x78.80.3 23,148.7%  
Avg Price/Bookvalue ratio x0.60.1 753.6%  
Dividend payout %02.0 0.0%   
Avg Mkt Cap Rs m4,7105,185 90.8%   
No. of employees `0002.41.0 253.1%   
Total wages & salary Rs m1,8928,976 21.1%   
Avg. income/employee Rs Th5,316.773,553.4 7.2%   
Avg. wages/employee Rs Th778.79,349.6 8.3%   
Avg. net profit/employee Rs Th-1,036.75,296.7 -19.6%   
INCOME DATA
Interest income Rs m12,92070,611 18.3%  
Other income Rs m7345,990 12.3%   
Interest expense Rs m10,11844,086 23.0%   
Net interest income Rs m2,80126,526 10.6%  
Operating expense Rs m3,47514,159 24.5%   
Gross profit Rs m-67412,366 -5.4%  
Gross profit margin %-5.217.5 -29.8%  
Provisions/contingencies Rs m2,57910,155 25.4%   
Profit before tax Rs m-2,5188,202 -30.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m13,117 0.0%   
Profit after tax Rs m-2,5195,085 -49.5%  
Net profit margin %-19.57.2 -270.8%  
BALANCE SHEET DATA
Advances Rs m79,360445,858 17.8%   
Deposits Rs m121,332657,362 18.5%  
Credit/Deposit ratio x65.467.8 96.4%  
Yield on advances %11.811.6 102.0%   
Cost of deposits %7.66.4 118.4%   
Net Interest Margin %2.03.6 55.0%  
Net fixed assets Rs m2,1246,896 30.8%   
Share capital Rs m1,259485 259.7%   
Free reserves Rs m4,08639,499 10.3%   
Net worth Rs m7,36361,085 12.1%   
Borrowings Rs m13,35623,396 57.1%   
Investments Rs m44,823251,043 17.9%   
Total assets Rs m146,876760,645 19.3%  
Debt/equity ratio x18.311.1 164.1%   
Return on assets %-1.70.7 -256.6%  
Return on equity %-34.28.3 -411.0%  
Capital adequacy ratio %8.712.6 69.0%  
Net NPAs %3.82.8 137.2%  
CASH FLOW
From Operations Rs m6,4871,181 549.5%  
From Investments Rs m-243-2,609 9.3%  
From Financial Activity Rs m1,138-3,376 -33.7%  
Net Cashflow Rs m7,382-4,805 -153.6%  

Share Holding

Indian Promoters % 0.0 53.2 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 0.5 4.3 11.6%  
FIIs % 22.7 29.3 77.5%  
ADR/GDR % 0.0 0.0 -  
Free float % 76.8 13.3 577.4%  
Shareholders   81,558 56,111 145.4%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare DHANLAXMI BANK With:   ORIENTAL BANK  UNITED BANK OF INDIA  UNION BANK  IDBI BANK  KARUR VYSYA BANK  

Compare DHANLAXMI BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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